Credit data acquisition method, device and system

Abstract

The present invention provides a method, device, and system for acquiring credit information data, relating to the field of data processing technology. The method comprises: acquiring query item parameters; generating multiple query data tables based on the query item parameters; upon receiving a credit information query request, determining a target query data table from the multiple query data tables based on the query request information; generating a query primary key based on the query request information, and generating a credit information acquisition result based on the query primary key and the target query data table. Embodiments of the present invention can flexibly acquire credit information items through parameter configuration, enabling rapid product assembly. When repeated data acquisition is required for different scenarios, data query can be completed by configuring new query items based on the scenario without the need for redevelopment.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, device and system for obtaining credit data. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. No statement herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] When banks arrange special installment products for customers, they need to investigate the customer's creditworthiness to fully understand the customer's asset situation and avoid non-performing loans. There are many sources of data available both internally and externally to the bank. Often, different installment products require a large amount of the same data, such as reports from the People's Bank of China and internal bank information. They also perform personalized checks based on the product, such as performing car insurance information inquiries for installment car purchases. Currently, the common practice is to acquire data during the process, first acquiring the common portion, and then acquiring the personalized portion based on the different product types. Existing solutions often require rewriting requirement documents and redeveloping the software for different scenarios before launching into production after testing. This results in low efficiency in acquiring credit data and high operating costs. Summary of the Invention

[0004] The present invention provides a credit data acquisition method, device and system, which can flexibly acquire credit information items by configuring parameters, thereby improving the efficiency of credit data acquisition and reducing operating costs.

[0005] In a first aspect, an embodiment of the present invention provides a method for obtaining credit data, the method comprising: obtaining cooperative inquiry item parameters; generating multiple cooperative inquiry data tables based on the cooperative inquiry item parameters; upon receiving credit cooperative inquiry request information, determining a target cooperative inquiry data table from the multiple cooperative inquiry data tables based on the credit cooperative inquiry request information; generating a cooperative inquiry primary key based on the cooperative inquiry request information, and generating a credit data acquisition result based on the cooperative inquiry primary key and the target cooperative inquiry data table.

[0006] Furthermore, the assisted investigation item parameters include at least one or more of the following parameters: a product type parameter, a scenario parameter, a assisted investigation item number parameter, a assisted investigation item name parameter, and an activation flag parameter.

[0007] Furthermore, generating a credit data acquisition result based on the cooperative inquiry primary key and the target cooperative inquiry data table includes: obtaining business number information related to the credit cooperative inquiry request information; generating a credit data acquisition result based on the business number information, the cooperative inquiry primary key and the target cooperative inquiry data table.

[0008] Furthermore, multiple cooperative inquiry data tables are generated according to the cooperative inquiry item parameters, including: obtaining cooperative inquiry results at the target location according to the cooperative inquiry item parameters; generating parsing results according to the cooperative inquiry results; storing the cooperative inquiry results and the parsing results corresponding to the cooperative inquiry results in the target database to obtain cooperative inquiry data tables.

[0009] Furthermore, the method also includes: updating the auxiliary inquiry item parameters according to the target branch information.

[0010] Furthermore, the method further includes: storing the auxiliary search item parameters and the updated auxiliary search item parameters in a preset location.

[0011] In the second aspect, an embodiment of the present invention also provides a credit data acquisition device, which includes: an acquisition module for acquiring cooperative inquiry item parameters; a data module for generating multiple cooperative inquiry data tables based on the cooperative inquiry item parameters; a determination module for determining a target cooperative inquiry data table from the multiple cooperative inquiry data tables based on the credit cooperative inquiry request information when receiving credit cooperative inquiry request information; a result module for generating a cooperative inquiry primary key based on the cooperative inquiry request information, and generating a credit data acquisition result based on the cooperative inquiry primary key and the target cooperative inquiry data table.

[0012] Furthermore, the assisted investigation item parameters include at least one or more of the following parameters: a product type parameter, a scenario parameter, a assisted investigation item number parameter, a assisted investigation item name parameter, and an activation flag parameter.

[0013] Furthermore, the result module is specifically used to: obtain business number information related to the credit assistance inquiry request information; and generate a credit data acquisition result based on the business number information, the assistance inquiry primary key and the target assistance inquiry data table.

[0014] Furthermore, the data module is specifically used to: obtain the cooperative inquiry result at the target location according to the cooperative inquiry item parameter; generate the analysis result according to the cooperative inquiry result; store the cooperative inquiry result and the analysis result corresponding to the cooperative inquiry result in the target database to obtain the cooperative inquiry data table.

[0015] Furthermore, the device also includes an updating module, which is used to update the auxiliary inquiry item parameters according to the target branch information.

[0016] Furthermore, the device also includes a storage module, which is used to store the auxiliary check item parameters and updated auxiliary check item parameters in a preset location.

[0017] In a third aspect, an embodiment of the present invention further provides a credit data acquisition system, which includes the above-mentioned credit data acquisition device.

[0018] In a fourth aspect, an embodiment of the present invention further provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned credit data acquisition method when executing the computer program.

[0019] In a fifth aspect, an embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for executing the above-mentioned credit data acquisition method.

[0020] Embodiments of the present invention provide the following beneficial effects: Embodiments of the present invention provide a credit data acquisition solution, comprising: obtaining query item parameters; generating multiple query data tables based on the query item parameters; upon receiving a credit query request, determining a target query data table from the multiple query data tables based on the query request; generating a query primary key based on the query request, and generating a credit data acquisition result based on the query primary key and the target query data table. Embodiments of the present invention enable flexible acquisition of credit information items through parameter configuration, enabling rapid product assembly. When repeated data acquisition is required for different scenarios, data query can be completed by configuring new query items based on the scenario without requiring redevelopment.

[0021] Other features and advantages of the present invention will be described in the following description, and in part will become apparent from the description, or understood by practicing the present invention. The purposes and other advantages of the present invention are realized and obtained by the structures particularly pointed out in the description, claims and drawings.

[0022] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, preferred embodiments are given below and described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the specific embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the specific embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0024] Figure 1 A flow chart of a method for obtaining credit data provided by an embodiment of the present invention;

[0025] Figure 2 A schematic diagram of a configuration page provided in an embodiment of the present invention;

[0026] Figure 3 A structural block diagram of a credit data acquisition device provided by an embodiment of the present invention;

[0027] Figure 4 A structural block diagram of another credit data acquisition device provided by an embodiment of the present invention;

[0028] Figure 5 A structural block diagram of another credit data acquisition device provided by an embodiment of the present invention;

[0029] Figure 6 This is a structural block diagram of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0030] To make the objectives, technical solutions, and advantages of the embodiments of the present invention more clear, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the embodiments described are only part of the embodiments of the present invention, not all of them. All other embodiments obtained by ordinary technicians in this field based on the embodiments of the present invention without making any creative efforts shall fall within the scope of protection of the present invention.

[0031] Currently, the most common method of obtaining credit information is to obtain data after the customer applies, and then conduct approval after completion. However, with the development of specialized installment businesses, a single acquisition scenario cannot provide credit information data in a timely manner, and it is impossible to gain a leading position in the market. For example, if a customer wants to apply for a car installment loan, the account manager usually cannot obtain credit information before the application. After the customer formally submits the application, it will take about three working days for the customer to know whether they have provided approval and the approval amount. If the business party proposes to increase data acquisition before acceptance, it is necessary to rewrite the requirements document, redevelop the software, and put it into production after testing, which usually takes several months.

[0032] Typically, when the content of the cooperative investigation changes according to the business scenario, the code needs to be redeveloped, resulting in a longer online cycle.

[0033] Based on this, the embodiments of the present invention provide a method, device and system for obtaining credit data, which provide a solution for flexible acquisition of credit data through simple configuration, regardless of scenarios and products.

[0034] To facilitate understanding of this embodiment, a credit data acquisition method disclosed in an embodiment of the present invention is first introduced in detail.

[0035] First, the terminology involved is introduced.

[0036] Specialized installment products: These are personal mortgage loans offered by banks based on specific consumer needs and the client's qualifications. Common products include car purchases, renovations, parking spaces, and education.

[0037] Credit coordination check: refers to the bank's acquisition of credit information from customers who want to apply for special installment loans, such as the customer's People's Bank of China report, real estate information, vehicle information, etc.

[0038] Cross-check: refers to a series of compliance checks conducted by banks on customers who want to apply for special installment loans.

[0039] The embodiment of the present invention provides a method for obtaining credit data. Figure 1 The flowchart of a method for obtaining credit data is shown, and the method includes the following steps:

[0040] Step S102: Obtain the parameters of the assisted inquiry item.

[0041] In the embodiment of the present invention, the parameters of the cooperative investigation item can be defined according to the requirements of the product and scenario, and can be set according to actual needs. The embodiment of the present invention does not make specific limitations on this.

[0042] Step S104: Generate multiple cooperative inquiry data tables according to the cooperative inquiry item parameters.

[0043] In an embodiment of the present invention, after the auxiliary inquiry item parameters are determined, a database table including relevant data related to products and / or scenarios related to the auxiliary inquiry item parameters is generated to obtain an auxiliary inquiry data table.

[0044] It should be noted that there can be multiple auxiliary inquiry item parameters, and different auxiliary inquiry data tables are generated according to different auxiliary inquiry item parameters.

[0045] Step S106: upon receiving the credit inquiry request information, a target inquiry data table is determined from among the multiple inquiry data tables according to the credit inquiry request information.

[0046] In an embodiment of the present invention, the credit assistance inquiry request information is an instruction determined based on information such as branch, product, and scenario. According to the credit assistance inquiry request information, a data table related to the credit assistance inquiry request information is determined in multiple assistance data tables to obtain a target assistance data table.

[0047] Step S108: Generate a cooperative inquiry primary key according to the cooperative inquiry request information, and generate a credit data acquisition result according to the cooperative inquiry primary key and the target cooperative inquiry data table.

[0048] In the embodiment of the present invention, the cooperative inquiry primary key may be a cooperative inquiry number. A cooperative inquiry primary key is generated for each cooperative inquiry request information, and different credit data acquisition results can be distinguished based on the cooperative inquiry primary key.

[0049] An embodiment of the present invention provides a credit information data acquisition solution, comprising: obtaining query item parameters; generating multiple query data tables based on the query item parameters; upon receiving a credit information query request, determining a target query data table from the multiple query data tables based on the query request information; generating a query primary key based on the query request information, and generating a credit information data acquisition result based on the query primary key and the target query data table. This embodiment of the present invention enables flexible acquisition of credit information items through parameter configuration, enabling rapid product assembly. When repeated data acquisition is required for different scenarios, data query can be completed by configuring new query items based on the scenario without requiring redevelopment.

[0050] In one embodiment, the assisted search item parameters include at least one or more of the following parameters: a product type parameter, a scenario parameter, a assisted search item number parameter, a assisted search item name parameter, and an enable flag parameter.

[0051] In this embodiment of the present invention, the product type parameter is used to determine the specific installment product for which credit data query is required. The scenario parameter is used to determine the data environment involved in the product. The activation flag parameter is used to determine the activation status of the auxiliary query item.

[0052] In one embodiment, generating a credit data acquisition result based on the auxiliary query primary key and the target auxiliary query data table can be performed according to the following steps:

[0053] Obtain business number information related to the credit inquiry request information; generate credit data acquisition results based on the business number information, inquiry primary key and target inquiry data table.

[0054] In one embodiment, multiple query data tables are generated according to query item parameters, which can be performed as follows:

[0055] Acquire the cooperative inquiry result at the target location according to the cooperative inquiry item parameters; generate the parsing result according to the cooperative inquiry result; store the cooperative inquiry result and the parsing result corresponding to the cooperative inquiry result in the target database to obtain the cooperative inquiry data table.

[0056] In an embodiment of the present invention, the parsing result is data obtained by analyzing and processing the collaborative search result. The collaborative search result and the parsing result corresponding to the collaborative search result are regarded as a group of data, and different groups of data are stored in different target databases.

[0057] In one embodiment, the solution may further perform the following steps:

[0058] Update the query item parameters based on the target branch information.

[0059] In an embodiment of the present invention, the target branch information may include product information and scenario information related to the branch using the solution. The auxiliary query item parameters may be updated by deletion, addition, or modification.

[0060] In one embodiment, the solution may further perform the following steps:

[0061] The auxiliary query item parameters and the updated auxiliary query item parameters are stored in a preset location.

[0062] In the embodiment of the present invention, the preset location can be set according to actual conditions, and the embodiment of the present invention does not specifically limit this. The auxiliary inquiry item parameters and the updated auxiliary inquiry item parameters are stored to facilitate data tracing in the future.

[0063] See also Figure 2 The configuration page diagram is shown below. The implementation process of this solution is described with a specific embodiment.

[0064] I. Definition of Assisted Investigation Items

[0065] The parameters are as follows:

[0066] Product type, scenario, assisted investigation item number, assisted investigation item name, and activation mark;

[0067] You can define the required cooperative investigation items based on the product and scenario. If you need to add a new credit investigation dimension, simply add the item to the parameters. For example, if you need to enable different cooperative investigation items for different branches during subsequent business development, you can simply add a branch field to the parameters.

[0068] 2. Implementing the content of cooperative investigation

[0069] Implement each cooperative investigation item separately, and store the cooperative investigation results and analysis results in the corresponding database table according to the cooperative investigation number.

[0070] 3. Initiate a credit investigation

[0071] Based on the current branch, product, and scenario, retrieve the required query items from the parameter table. Generate a query number as the primary key for this query. Execute queries sequentially based on the returned query items and save them by query number. Also save the business number for association.

[0072] 4. Provide a method to query the content of the cooperative investigation based on the cooperative investigation number, so that the front end can query the cooperative investigation results after the cooperative investigation.

[0073] This solution can achieve flexible data coordination based on products, business scenarios and regions.

[0074] The present invention provides a credit information data acquisition method, device, and system that dynamically configures the content to be acquired based on the business scenario. This solution supports the configuration of personalized credit information query parameters for different scenarios, products, and regions to adapt to the development of different installment businesses, reduce operating costs, and improve the accuracy of customer surveys. Using the credit information query acquisition method described in this patent, information query can be completed in different scenarios simply by configuring the query parameters, providing a solution for rapid product assembly.

[0075] The present invention also provides a credit data acquisition device, as described in the following embodiments. Since the principle of the problem solved by the device is similar to that of the credit data acquisition method, the implementation of the device can refer to the implementation of the credit data acquisition method, and the repeated parts will not be repeated. Figure 3 The structure block diagram of the credit data acquisition device shown in FIG. 1 includes:

[0076] The acquisition module 31 is used to obtain the auxiliary inquiry item parameters; the data module 32 is used to generate multiple auxiliary inquiry data tables based on the auxiliary inquiry item parameters; the determination module 33 is used to determine the target auxiliary inquiry data table from multiple auxiliary inquiry data tables based on the credit assistance inquiry request information when receiving the credit assistance inquiry request information; the result module 34 is used to generate the auxiliary inquiry primary key based on the auxiliary inquiry request information, and generate the credit data acquisition result based on the auxiliary inquiry primary key and the target auxiliary inquiry data table.

[0077] In one embodiment, the assisted search item parameters include at least one or more of the following parameters: a product type parameter, a scenario parameter, a assisted search item number parameter, a assisted search item name parameter, and an enable flag parameter.

[0078] In one embodiment, the result module is specifically used to: obtain business number information related to the credit inquiry request information; and generate credit data acquisition results based on the business number information, the inquiry primary key and the target inquiry data table.

[0079] In one embodiment, the data module is specifically used to: obtain the cooperative inquiry result at the target location according to the cooperative inquiry item parameter; generate the analysis result according to the cooperative inquiry result; store the cooperative inquiry result and the analysis result corresponding to the cooperative inquiry result in the target database to obtain the cooperative inquiry data table.

[0080] In one embodiment, see Figure 4 Another structure block diagram of a credit data acquisition device is shown, which also includes an updating module 35 for updating the auxiliary inquiry item parameters according to the target branch information.

[0081] In one embodiment, see Figure 5 Another structural block diagram of a credit data acquisition device is shown, which further includes a storage module 36 for storing the auxiliary inquiry item parameters and the updated auxiliary inquiry item parameters in a preset location.

[0082] It should be noted that the examples and application scenarios implemented by each module in the aforementioned credit information data acquisition device are the same as those implemented by the corresponding steps in the aforementioned credit information data acquisition method, but are not limited to the content disclosed in the aforementioned credit information data acquisition method embodiment. It should be noted that the aforementioned modules, as part of the device, can be executed in a computer system, such as a set of computer-executable instructions.

[0083] An embodiment of the present invention further provides a credit data acquisition system, which includes the above-mentioned credit data acquisition device.

[0084] Based on the same inventive concept, an embodiment of the present invention further provides an electronic device embodiment for implementing all or part of the above-mentioned credit data acquisition method. The electronic device specifically includes the following contents:

[0085] A processor, a memory, a communications interface, and a bus; wherein the processor, memory, and communications interface communicate with each other via the bus; the communications interface is used to transmit information between related devices; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, etc., but this embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to the embodiments for implementing the above-mentioned credit data acquisition method and the embodiments for implementing the above-mentioned credit data acquisition device, the contents of which are incorporated herein and any repetitions are omitted.

[0086] Figure 6 FIG. 1 is a schematic diagram of a system structure of an electronic device provided in an embodiment of the present invention. Figure 6 As shown, the electronic device 70 may include a processor 701 and a memory 702; the memory 702 is coupled to the processor 701. Figure 6 is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0087] In one embodiment, the functions implemented by the credit data acquisition method may be integrated into the processor 701. The processor 701 may be configured to perform the following control:

[0088] Obtaining the parameters of the cooperative inquiry item; generating multiple cooperative inquiry data tables according to the parameters of the cooperative inquiry item; upon receiving the credit cooperative inquiry request information, determining the target cooperative inquiry data table from the multiple cooperative inquiry data tables according to the credit cooperative inquiry request information; generating the cooperative inquiry primary key according to the cooperative inquiry request information, and generating the credit data acquisition result according to the cooperative inquiry primary key and the target cooperative inquiry data table.

[0089] From the above, it can be seen that the electronic device provided in the embodiment of the present invention can flexibly obtain credit information items through configuration parameters to achieve rapid product assembly. When data needs to be repeatedly obtained in different scenarios, there is no need for re-development. New coordination items can be configured according to the scenario to complete data coordination.

[0090] In another embodiment, the credit data acquisition device can be configured separately from the processor 701. For example, the credit data acquisition device can be configured as a chip connected to the processor 701, and the functions of the credit data acquisition method can be implemented under the control of the processor.

[0091] like Figure 6 As shown, the electronic device 70 may further include: a communication module 703, an input unit 704, an audio processing unit 705, a display 706, and a power supply 707. It is worth noting that the electronic device 70 does not necessarily have to include Figure 6 In addition, the electronic device 70 may also include Figure 6 For components not shown, reference may be made to the prior art.

[0092] like Figure 6 As shown, the processor 701 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor device and / or logic device. The processor 701 receives inputs and controls the operations of various components of the electronic device 70 .

[0093] Memory 702 can be, for example, one or more of a cache, flash memory, hard drive, removable media, volatile memory, non-volatile memory, or other suitable devices. It can store the aforementioned failure-related information and a program that executes the relevant information. Processor 701 can execute the program stored in memory 702 to implement information storage or processing.

[0094] Input unit 704 provides input to processor 701. Input unit 704 may be, for example, a keypad or touch input device. Power supply 707 is used to provide power to electronic device 70. Display 706 is used to display objects such as images and text. This display may be, for example, an LCD display, but is not limited thereto.

[0095] The memory 702 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, or the like. Alternatively, it may be a memory that retains information even when power is off, can be selectively erased, and is provided with more data. Examples of such memory are sometimes referred to as EPROMs. The memory 702 may also be some other type of device. The memory 702 includes a buffer memory 7021 (sometimes referred to as a buffer). The memory 702 may include an application / function storage unit 7022 for storing application programs and function programs or processes for executing the operation of the electronic device 70 via the processor 701.

[0096] The memory 702 may also include a data storage unit 7023 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 7024 of the memory 702 may include various driver programs for the electronic device for communication functions and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0097] The communication module 703 is a transmitter / receiver that sends and receives signals via the antenna 708. The communication module (transmitter / receiver) 703 is coupled to the processor 701 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0098] Based on different communication technologies, multiple communication modules 703 can be provided in the same electronic device, such as a cellular network module, a Bluetooth module, and / or a wireless local area network module. The communication module (transmitter / receiver) 703 is also coupled to a speaker 709 and a microphone 710 via an audio processing unit 705 to provide audio output via the speaker 709 and receive audio input from the microphone 710, thereby implementing common telecommunication functions. The audio processing unit 705 may include any suitable buffer, decoder, amplifier, etc. Furthermore, the audio processing unit 705 is coupled to the processor 701, enabling local recording via the microphone 710 and playback of stored audio via the speaker 709.

[0099] An embodiment of the present invention further provides a computer-readable storage medium for implementing all steps of the method for obtaining credit data in the above embodiment. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, all steps of the method for obtaining credit data in the above embodiment are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0100] Obtaining the parameters of the cooperative inquiry item; generating multiple cooperative inquiry data tables according to the parameters of the cooperative inquiry item; upon receiving the credit cooperative inquiry request information, determining the target cooperative inquiry data table from the multiple cooperative inquiry data tables according to the credit cooperative inquiry request information; generating the cooperative inquiry primary key according to the cooperative inquiry request information, and generating the credit data acquisition result according to the cooperative inquiry primary key and the target cooperative inquiry data table.

[0101] From the above, it can be seen that the computer-readable storage medium provided in the embodiments of the present invention can flexibly obtain credit information items through configuration parameters to achieve rapid product assembly. When data needs to be repeatedly obtained in different scenarios, there is no need for re-development. New coordination items can be configured according to the scenario to complete data coordination.

[0102] Although the present invention provides method operation steps as described in the embodiments or flowcharts, more or fewer operation steps may be included based on conventional or non-creative work. The order of steps listed in the embodiments is only one way of executing the steps among many steps and does not represent the only execution order. When an actual device or client product is executed, the method can be executed sequentially or in parallel according to the embodiments or the accompanying drawings (for example, in a parallel processor or multi-threaded processing environment).

[0103] It will be understood by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0104] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0105] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0106] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0107] The various embodiments in this specification are described in a progressive manner. Similar parts between the various embodiments can be referred to in conjunction with each other. Each embodiment focuses on the differences between the other embodiments. In particular, the system embodiments are generally similar to the method embodiments, so the description is relatively simple. For relevant parts, refer to the description of the method embodiments.

[0108] In this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "comprises", "includes" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or apparatus comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article or apparatus. The orientation or positional relationship indicated by the terms "upper", "lower", etc. is based on the orientation or positional relationship shown in the accompanying drawings, and is only for the convenience of describing the present invention and simplifying the description, and does not indicate or imply that the device or element referred to must have a specific orientation, be constructed and operate in a specific orientation, and therefore should not be understood as a limitation on the present invention.

[0109] Unless otherwise expressly specified and limited, the terms "installed", "connected" and "connected" should be understood in a broad sense. For example, it can be a fixed connection, a detachable connection, or an integral connection; it can be a mechanical connection or an electrical connection; it can be a direct connection, or an indirect connection through an intermediate medium, or it can be a communication between the two components. For those of ordinary skill in the art, the specific meanings of the above terms in the present invention can be understood according to the specific circumstances. It should be noted that, in the absence of conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other. The present invention is not limited to any single aspect, nor to any single embodiment, nor to any combination and / or permutation of these aspects and / or embodiments. Each aspect and / or embodiment of the present invention may be used alone or in combination with one or more other aspects and / or other embodiments.

[0110] Finally, it should be noted that the above-described embodiments are only specific implementation methods of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The scope of protection of the present invention is not limited thereto. Although the present invention has been described in detail with reference to the above-described embodiments, those skilled in the art should understand that any person skilled in the art can modify or easily conceive of changes to the technical solutions described in the above-described embodiments within the technical scope disclosed by the present invention, or replace some of the technical features therein with equivalents. Such modifications, changes, or replacements do not deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the scope of protection of the present invention. Therefore, the scope of protection of the present invention shall be subject to the scope of protection of the claims.

Claims

1. A method for obtaining credit data, characterized in that: include: Obtain the parameters of the auxiliary inquiry item, which are defined according to the requirements of the product and scenario; Generating multiple cooperative inquiry data tables according to the cooperative inquiry item parameters includes: obtaining a cooperative inquiry result at a target location according to the cooperative inquiry item parameters; generating a parsing result according to the cooperative inquiry result; taking the cooperative inquiry result and the parsing result corresponding to the cooperative inquiry result as a set of data, storing different sets of data in different target databases, and obtaining multiple cooperative inquiry data tables; the multiple cooperative inquiry data tables include database tables of relevant data related to products and scenarios related to the cooperative inquiry item parameters, and if there are multiple cooperative inquiry item parameters, different cooperative inquiry data tables are generated according to different cooperative inquiry item parameters; Upon receiving a credit assistance inquiry request, determining a target assistance inquiry data table from the plurality of assistance inquiry data tables based on the credit assistance inquiry request, which includes: determining a data table related to the credit assistance inquiry request from the plurality of assistance inquiry data tables based on the credit assistance inquiry request, thereby obtaining the target assistance inquiry data table; the credit assistance inquiry request is an instruction determined based on branch, product, and scenario information; Generate a primary key for the cooperative inquiry based on the cooperative inquiry request information, and generate a credit data acquisition result based on the primary key for the cooperative inquiry and the target cooperative inquiry data table, which includes: acquiring business number information related to the credit cooperative inquiry request information; generating a credit data acquisition result based on the business number information, the primary key for the cooperative inquiry and the target cooperative inquiry data table, so as to achieve flexible acquisition of credit information items and rapid product assembly; Update the cooperative inquiry item parameters by deleting, adding, or modifying the target branch information; the target branch information includes the product information and scenario information involved in the branch.

2. The method according to claim 1, characterized in that The auxiliary investigation item parameters include at least one or more of the following parameters: Product type parameter, scenario parameter, assisted inquiry item number parameter, assisted inquiry item name parameter and enabled flag parameter.

3. The method according to claim 1, characterized in that Also includes: The auxiliary search item parameters and the updated auxiliary search item parameters are stored in a preset location.

4. A credit data acquisition device, characterized in that: include: The acquisition module is used to obtain the parameters of the auxiliary inquiry item. The auxiliary inquiry item parameters are defined according to the requirements of the product and scenario; a data module for generating multiple cooperative inquiry data tables based on the cooperative inquiry item parameters, comprising: obtaining cooperative inquiry results at a target location based on the cooperative inquiry item parameters; generating parsing results based on the cooperative inquiry results; treating the cooperative inquiry results and the parsing results corresponding to the cooperative inquiry results as a set of data, storing different sets of data in different target databases, and obtaining multiple cooperative inquiry data tables; the multiple cooperative inquiry data tables including database tables of relevant data related to products and scenarios related to the cooperative inquiry item parameters; and generating different cooperative inquiry data tables based on different cooperative inquiry item parameters, if there are multiple cooperative inquiry item parameters; a determination module, configured to, upon receiving a credit assistance inquiry request, determine a target assistance inquiry data table from the plurality of assistance inquiry data tables based on the credit assistance inquiry request, comprising: determining a data table related to the credit assistance inquiry request from the plurality of assistance inquiry data tables based on the credit assistance inquiry request, thereby obtaining the target assistance inquiry data table; the credit assistance inquiry request is an instruction determined based on branch, product, and scenario information; A result module is used to generate a primary key for the assistance inquiry based on the assistance inquiry request information, and generate a credit data acquisition result based on the primary key for the assistance inquiry and the target assistance inquiry data table. The module includes: obtaining business number information related to the credit inquiry request information; and generating a credit data acquisition result based on the business number information, the primary key for the assistance inquiry, and the target assistance inquiry data table, so as to achieve flexible acquisition of credit information items and rapid product assembly. The update module is used to update the parameters of the cooperative inquiry item by deleting, adding or modifying the target branch information; the target branch information includes the product information and scenario information involved in the branch.

5. The device according to claim 4, characterized in that The auxiliary investigation item parameters include at least one or more of the following parameters: Product type parameter, scenario parameter, assisted inquiry item number parameter, assisted inquiry item name parameter and enabled flag parameter.

6. The device according to claim 4, characterized in that Also included is a storage module for: The auxiliary search item parameters and the updated auxiliary search item parameters are stored in a preset location.

7. A credit data acquisition system, characterized in that: The device comprises the credit data acquisition device according to any one of claims 4 to 6.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the credit data acquisition method according to any one of claims 1 to 3 is implemented.

9. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program for executing the credit data acquisition method according to any one of claims 1 to 3.

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